JOB PURPOSE
The Senior Credit analyst will support Head of Credit to plan, coordinate and control all lending activities to minimize credit risks. To prepare independent analysis of credit reviews and submit summary of analysis for credit review.
KEY RESPONSIBILITIES
Analyze credit propositions and recommend for approval
Reviewing the files for compliance of the approval conditions
Weekly analysis of loan-book performance and risk Loan-book migration analysis
Develop and track on a daily/weekly/monthly basis (as determined by Head of Business the key performance indicators in all business segments)
Conduct Quality checks to ensure branches follow the bank’s credit policy, CBK prudential guidelines and best practice in appraisal, approval, and management of facilities.
Generate accurate management report on business performance to facilitated decision making
Work with Business teams to roll out training on credit applications and portfolio management
Assess temporary credit requests and recommend for approval
Recommend changes to lending policies in line with business dynamics
Check completeness of documents submitted by the Business segment credit analyst and branch managers.
Provide coaching /guidance/training on aspects of credit including policy and procedures, as may be required by branch staff and other staff involved the credit granting process
Immediately inform the Branch/Relationship Officers/Head of segments of any document missing (according to the credit checklist).
Analyze customer’s submitted documentation for existing state of operations.
Regularly analyze the risk profile of the bank’s loan portfolio by product, and by segment.
Assign risk grades for each portfolio type following the guidelines in the bank’s credit policy manual.
Timely approval of all credit applications
Preparation of various credit reports
Review of credit policy and updating it in line with changes in the lending environment
Review of new and existing products as per bank’s guidelines
Ensure compliance with both internal and external regulatory requirements.
Review and ensure compliance of facilities approved conditions.
Always ensure compliance with Credit policies and procedures.
Always ensure compliance with set SLAs
QUALIFICATION AND EXPERIENCE REQUIREMENTS
Holder of bachelor’s degree in a business-related field.
Minimum 3 years of experience in the same position
Professional banking qualifications will be added advantage
Knowledge of lending products and prudential guidelines.
Ability to lead teams and deliver business results.
Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.
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Interested candidates who meet the criteria above are encouraged to send their application letters and detailed CVs to: Email: recruitment@caritas-mfb.co.ke. Kindly indicate the position title on the subject line when applying. Closing date for application will be on 10th March 2023. Only
Apply via :
recruitment@caritas-mfb.co.ke
